More than one commenter here is approaching salvation as a matter of justice -- as being somehow our due -- when, in fact, salvation is a matter of mercy: our salvation is the act of God in setting aside the justice we do deserve: Death, to give us what we do not deserve: Life.To expand upon that last: a significant portion of such worryings and speculations is really just a round-about way of obliging God to rescue oneself from the Death with which one is already infected; that is, to somehow make one's own salvation into a matter of Justice, rather than of Mercy. And this is just another way of refusing to take the first step upon the actual road to salvation, which is to acknowledge the justice of one's (current) state of condemnation and to humble oneself before God and ask for and accept his Mercy.
We *all* are sinners, even the new-born babe who has committed no particular sin; we are all born into sin, which is Death: we are all *born* "going straight to Hell", as people say. We *none of us* deserve to be saved from the Death into which we are born.
Much of the worrying about "But what about people who have never heard of Christ?" and "But what about stillbirths?" and "But what about suicides?" and "OK, but what about mentally-ill suicides?" and so on (without end) is founded upon the disinclination, or even outright refusal, to trust that God is merciful.
But, *who* -- if not God himself -- is going to enforce this obligation one imagines one has placed upon God? If one will not trust in the Mercy God has openly proclaimed -- if one will not trust God to do what he says he will do without obligation -- then how can one trust in his Justice (especially a "justice" arrived at through some imagined trickery), when he is the only guarantor of Justice?
When you think about it, much of such worryings and speculations is really not all that different from the Internet Atheist who raises, say, the (hyperbolic) Ban on the Amalekites as a means by which to impeach God's righteousness -- "Who are *you* to judge Me!" -- even as he himself endorses and supports (and perhaps directly participates in) the murders via abortion and other forms of infanticide of millions of innocent human beings every year. For to ask or accept mercy is simultaneously to acknowledge the justice of one's current state of judgment-and-condemnation and the authority of he-who-judges to make the judgment and issue the condemnation.